Frequently Asked Questions

We prioritize your cash flow. Most of our Nebraska merchants are set up with Next-Day Funding, meaning your daily batches are settled directly into your local bank account the very next business day.

Yes, it is 100% compliant and legal. Dual Pricing simply offers your customers two clear options at checkout: a standard price for card payments, and a discounted price for cash payments. This transparently passes the cost of credit card processing back to the card issuers, allowing you to completely eliminate up to 100% of your processing fees.

None. We build our business on local accountability, not fine print. There are no statement fees, no compliance monthly upcharges, and no surprise annual rate hikes. Everything is laid out transparently upfront in our initial proposal.

No. We integrate American Express directly into your main processing profile through the OptBlue program. You get standard, competitive rates for Amex alongside Visa, Mastercard, and Discover, and all funds clear into your bank account together in one single daily deposit.

PCI Compliance is a mandatory security standard to protect card data, but many processors use it as an excuse to charge a hidden $20 to $50 monthly penalty fee. We don't play that game. We assist you in completing your brief annual security questionnaire for free, keeping your account fully compliant with zero monthly PCI fees.

It is the gold standard of transparent processing. 'Interchange' is the true wholesale cost set directly by Visa and Mastercard. The 'Plus' is our small, fixed markup. Unlike flat-rate or tiered models that hide massive margins, Interchange-Plus passes the exact wholesale cost directly to you, so you see precisely where every penny goes.

In many cases, yes. We integrate with major secure payment gateways and leading hardware platforms. During your initial workflow review, we will audit your current setup to see if we can optimize your rates using your existing hardware, or if transitioning to a more modern terminal makes better operational sense.

We partner with the world's most reliable, secure payment and hardware ecosystems. Our primary infrastructure supports Clover, KORONA POS, CardPointe, CardConnect, and Dejavoo Smart Terminals. We do not trap you in proprietary, restrictive software.

No. The modern ecosystems we deploy—like Clover and Dejavoo—come equipped with Offline Processing Mode. If your Wi-Fi or internet drops during a rush, your terminals will securely encrypt and store transaction data locally, automatically clearing the payments the second your network reconnects.

Yes, absolutely. Every piece of hardware we deploy comes standard with built-in NFC (Near Field Communication) technology. Your customers can seamlessly pay using Apple Pay, Google Wallet, smartwatches, or any contactless tap-to-pay credit or debit card.

You won't be left hanging on a 1-800 phone line with an offshore call center. Our Help Center provides direct 24/7 technical networks for major ecosystems like Clover and KORONA. Furthermore, because we are local, we provide emergency on-site hardware escalation for critical infrastructure failures right here in the Omaha metro area.

It takes less than a minute. Click our 'Request Proposal' button, drop in your basic business details, or email your current processing statements directly to info@omapayments.com. A local payment partner will run a line-by-line interchange-plus analysis and reach out to you within 24 hours.

We move fast. Digital merchant account approvals typically take less than 24 to 48 hours. Once approved, we handle the backend heavy lifting—including programming your hardware or assisting with menu/inventory data imports—ensuring a seamless swap with zero operational downtime for your business.

Never. We only charge for the transparent cost of the physical hardware you select (unless you choose a program where hardware is included). We do not charge surprise application fees, activation fees, or file-programming fees to get your system up and running.